Additional Services

Refinancing

Refinancing refers to the process of replacing an existing loan with a new loan that has different terms, typically involving a different interest rate, repayment period, or loan structure. The primary goal of refinancing is to obtain better loan terms, save money on interest, or access additional funds.

Key Benefits:

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Secondary Loan

Secondary Loan refers to a residential property that is owned in addition to an individual’s primary residence. It is a property that is typically used for recreational or occasional purposes, such as vacationing, weekend getaways, or as an investment.

Key Benefits:

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Investment Planning

Investment planning will help you allocate funds and resources with the goal of achieving specific financial objectives. If you haven’t thought about investment planning, it’s important to start today!

Key Benefits:

Investment planning helps in defining and clarifying financial goals. Having clear goals allows individuals to stay focused and committed to their long-term financial aspirations.
Improved Financial Security: A well-executed investment plan can contribute to financial security by building wealth and providing a safety net for unforeseen expenses or emergencies. It helps individuals accumulate assets and grow their wealth over time, providing a cushion against inflation, market downturns, or unexpected financial challenges.
Maximizing Returns: Investment planning involves assessing risk tolerance, time horizons, and expected returns. A carefully designed investment plan can help maximize returns while managing risk appropriately.
Risk Management: Investment planning involves evaluating and managing risk. By diversifying investments across different asset classes and sectors, individuals can reduce the impact of a decline in any single investment. This helps to mitigate risk and increase the stability of the overall portfol
Tax Efficiency: Investment planning considers tax implications and aims to optimize after-tax returns. By utilizing tax-advantaged accounts, such as IRAs, 401(k)s, or ISAs (Individual Savings Accounts), individuals can benefit from potential tax deductions, tax-free growth, or tax deferrals. Strategic tax planning can minimize the tax burden and enhance the overall investment returns.
Adaptability and Flexibility: Investment planning is not a static process but rather an ongoing one. It allows individuals to adapt their investment strategies as their circumstances, goals, or market conditions change. Regular monitoring and reviews enable adjustments to the investment plan, ensuring it remains aligned with the individual's evolving financial situation and objectives.
Peace of Mind: Having a well-structured investment plan provides peace of mind and confidence in financial decision-making. It eliminates impulsive investment choices and helps individuals stay disciplined during market fluctuations. By following a thought-out investment plan, individuals can feel more in control of their financial future, reducing stress and anxiety related to financial matters.

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Reviews

Thoai was very responsive anytime I had questions or concerns. She was very friendly and pleasant to work with...

Thoai did a great job with my loan. Se gave prompt responses to my calls, text, and emails, and answered all my questions along the way. Great person to work with!

From the beginning, Thoai has been supportive, responsive, clear and even offered me education throughout this experience.

So very responsive and professional! Ty

Quick turn around, exceptional knowledge of all aspects. The reason we keep returning!

She's great, overall the best loan officer!

Very helpful and fast services!

Easy to get a hold of. Quick to respond to our needs/questions. Very knowledgeable.

Thoai and her team are the best in the business! Her knowledge and expertise were pivotal for us qualifying and funding our loan in record breaking time. I will not hesitate to refer anybody I know to Thoai! Beyond appreciative of her and her team!

Thoai was very helpful and pleasant. Helped me navigate the whole process of purchasing a home and were able to lock in a low interest rate.

Thoai is the best loan officer and I would highly recommended her to anyone. Her expertise, professionalism and customer service is outstanding and unmatched. She should be recognzed for her hard work.

The excellent communication and updates.

Thoai and her team are top notch! Quick, efficient, and overall amazing!

Thoai was very responsive and took the time to make sure I understood everything. She went above and beyond to be extremely thorough in the process.

Our experience with Thoai was beyond great. She was very informative, supportive and punctual throughout the entire process.

Thoai kept us updated through out the process. She kept her skills and communication with us professional and helped us better understand all the details during our refinance and second mortgage.

Professional service that was quick and efficient. Thank your for all your help.

Thoai is extremely knowledgeable, readily available, and quick in all her transactions. We always knew the next step, and was well informed every step of the way.

Thoai is very concise and direct with her communication. We know exactly what we need and when. She is readily available for questions and very knowledgeable with her answers.

I've been working with thaoi through multiple mortgages and refinances over a span of almost a decade and she has always been professional, transparent, and prompt.

The people handling my refinancing of my home were extremely courteous and professional! Thoai and her associates worked in a timely manner to assure me of achieving my goal! Thanks to them I am on my way!

She did her job well, communicated clearly, and was very responsive.

Thoai was AMAZING every step of the way. She provided me with so much info, I really didn't have any questions. She actually gave me answers and explanations to questions I wouldn't have even thought to ask.

Precise communication in a friendly manner. Thoai has a strong sense of knowing how to not only offer the support to the Buyer clients, but also to the agent and escrow teams. Being all experienced professionals, the transaction was a great one.

Thoai is very helpful, thorough and happy to answer any questions I have. I highly recommend Thoai.

Fast, accurate, dedicated, efficient!

Very good and fast.

Her amazing follow up and continuous support and efforts, she’s definitely amazing at what she does!!!

Always returned calls. Always pleasant to speak with.

She is always willing to help. She is the best in the business.

Prequalification/Preapproval

Provide basic financial information to see your qualification

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Complete application and provide detailed financial documentation

Underwriting & Approval

Our underwriting team will review the application, verify financial information, creditworthiness, and property appraisal to determine loan approval based on their criteria and conditions.

Closing

Welcome to your new home!

Standard Loans

Specialty Loans